Consumer Rights and Protection Consumer rights and responsabilities explained in the Lectric Law Library. Fair Credit Billing Act (FCBA) The Fair Credit Billing Act (FCBA) is a United States federal law enacted as an amendment to the Truth in Lending Act (codified at 15 U.S.C.  1601 et seq.).
Galapagos Weather and Climate. The Galapagos Islands are on the equator and the climate does not vary dramatically over the year. The climate of the Islands can best be described as subtropical. There is, however, some variation driven mainly by the ocean currents. December to May can be best described as the warm season.
Day by Day weather log for Barcelona Weather in December. December 31. Daily Comment: Temperature 14Â° C around 57 F Nice Jump in temperature today. Clear skies and sunshine for most of the day. Day 30. Daily Comment: Temperature 10Â° C around 50.0 F clear skies in the morning but became a overcast around 14:00. Dry all day.